Commercial loans:

Property buyers use the purchased house or other property owned or owned by a third party as collateral, or the third party provides joint and several loan responsibilities to apply for loans from the bank.

Provident fund loan:

A purchaser who purchases, builds or overhauls a self-occupied house and pays the housing provident fund in full and on time takes the house he has purchased (built) or other property with ownership as a mortgage or pledge, or a third party provides a guarantee for his loan and bears the joint liability of repaying the principal and interest, and applies to the housing provident fund management center for a housing loan with the housing provident fund as the source of funds.

Portfolio loan:

Generally speaking, it refers to applying for commercial loans and provident fund loans at the same time, which is called portfolio loans. For example, buyers can't meet the demand for housing provident fund loans, so they can apply for commercial loans, and the total amount of the two loans does not exceed 80% of the house price. This is the so-called portfolio loan.

Extended data:

Individuals and enterprises should pay off the loans within the limit as soon as possible. In order to avoid loans overdue's repayment, so as to avoid overdue, here are several ways to prevent overdue repayment.

First, read the contract carefully.

When signing a contract, we must read it carefully. First, be sure to read the repayment date clearly at the first time and remember your repayment date. Secondly, we must read the excellent materials carefully and understand them correctly. Only by knowing the numbers in your mind can you effectively avoid overdue. Repay on schedule.

Second, make repayment by associating with your commonly used bank card.

Most people forget to repay rather than unable to repay, so they can choose to associate their own bank cards and let the system automatically deduct money. At the same time, they can fill in 2-3 days in advance of the repayment date to avoid overdue transfer.

Second, apply to the bank to extend the loan time.

If you happen to have a problem with time, I suggest you contact the bank to explain your situation and whether you can apply for long-term repayment to avoid high penalty interest.

In order to prevent loans overdue, you must remember to repay the loan, and don't let it be overdue, otherwise the overdue penalty will be much more than your loan, so you must remember to repay the loan early!

References:

Baidu encyclopedia-loan